Individual disability income insurance protects your most valuable asset - your ability to work and earn an income. Approximately 30% of people aged 35 to 65 will suffer a disability lasting 90 days or longer. Having disability insurance is important because it can replace a portion of your income if you become injured or ill and cannot work. Without disability coverage, you may not be able to afford your expenses like your mortgage or tuition payments. Individual disability insurance fills in gaps not covered by employer-provided group long-term disability plans, which typically only provide 40-60% of your income. Contact a Principal Life representative to discuss individual disability income insurance options.

1. Help protect your income and financial future
Individual Disability Income Insurance

2. How solid is your financial foundation?

3. What is your most valuable asset?
Your home may be your
biggest asset, but your ability
to work and earn an income
is your most valuable asset.
1
Motor Trend, January 2005
2
www.investmenttools.com, May 2006
3
Projected cumulative income, 35-year-old earning $6,250/month assuming 4% annual increase to age 65

4. Potential Earnings to Age 65 (with 5% annual salary increases)
What is your earnings potential?

5. The Need
Approximately 30% of all people aged 35 to 65 will
suffer a disability for at least 90 days, and about one
in seven can expect to become disabled for five years
or more.*
*Health Insurance of America, 2000

6. Times are different now.
What used to cause death, now causes disability…
For example, deaths due to hypertension are down 73%,
while disabilities due to hypertension have increased by 70%.

7. Disabilities play no favorites
The causes of disability may surprise you. Here’s a typical breakdown
(by percentage of claims) of some typical reasons an individual may
become disabled.

8. Source: Principal Life Disability Insurance claims
incurred as of March 2007. The above is for
illustration purposes only and is not intended
as an inclusive representation of all claims.
Real claims, it
can happen ….

9. Which job would you rather have?
* $100,000 less $1,500 in hypothetical annual disability income insurance premiums. Hypothetical premium amount paid and
hypothetical annual benefit amount received depends on various factors. Your Financial Representative can illustrate the exact
amount eligible for based on current underwriting guidelines.

10. Could you afford your home without your
income?
48% of all home foreclosures are due
to a disability.1
1 out of every 18 mortgages are not
being paid because of a disability to the
mortgage holder.2
Protect your mortgage with a disability income
insurance policy from Principal Life Insurance
Company.
1 - National Underwriter, May 2002
2 - National Underwriter, May 2002 / HUD 1998

11. Can you live on 42% of your income?
Is employer-provided
group long-term disability
(LTD) insurance coverage
enough?
Chart based on $6,250 gross monthly income ($75,000 annual), with 60% Group long-term
disability program, assuming a 30% tax bracket for Federal, State and FICA

12. Are you covered?
Expenses
Housing
Utilities
Groceries
Child Care
College Tuition
Retirement
Auto Payments
Credit Cards
Loan payments
Other Insurance
Premiums
Miscellaneous
Disability-Related
Expenses
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
$ __________________
List your expenses and possible sources of income you would have if you were unable
to work due to an injury or illness.
Income
Social Security
Current DI
Coverage
Other Sources
$ __________________
$ __________________
$ __________________
$ __________________
Total Expenses: $_________
Total Income Shortage: $_________
Disability Income Insurance has certain limitations and
exclusions. For costs and complete details of coverage,
contact your Principal Life representative.
Solution: Individual Disability
Income insurance

13. Questions?
Principal Life Insurance Company, Des Moines, Iowa 50392-0002, www.principal.com
© 2007 Principal Financial Services, Inc. While this communication may be used to promote or market a transaction or an idea
that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided
with the understanding that The Principal is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not
be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all
matters pertaining to legal, tax, or accounting obligations and requirements. Insurance is issued by Principal Life Insurance
Company, a member of the Principal Financial Group®, Des Moines, Iowa 50392.
Disability insurance has certain limitations and exclusions. For costs and complete details of coverage, contact your Principal Life
representative.
DI 2245 | HH 641/HH 643/HH 644/HH 750 | #2215032009